Insurance

Most of what we supply can go through your insurance. Some of it is simpler to just buy. This page explains which is which, what your insurance usually pays, and what we need from you and your doctor before anything ships.

Two ways to get your equipment

Plenty of people use both — insurance for the machine, cash for the supplies they run through between orders.

What insurance usually covers

Coverage is not one rule. What a plan pays for depends on the item, on the plan, and on where you live — the same wheelchair can be approved outright under one plan, need prior authorization under another, and be handled differently again a county away. The sections below describe how each kind of plan generally works. For your item and your address, ask us and we will check it rather than estimate.

Original Medicare (Part B)

Part B covers durable medical equipment that your doctor certifies you need at home. Medicare pays 80% of its approved amount once you have met your Part B deductible, and you pay the remaining 20%. The Part B deductible is $283 for 2026.

Some items Medicare rents rather than buys. Standard wheelchairs and hospital beds are usually capped rentals — Medicare pays monthly for up to 13 months of continuous use, after which the equipment becomes yours.

Medicare Advantage (Part C)

Advantage plans must cover at least what Original Medicare covers, but they set their own copays, networks and approval rules. Some require you to use a supplier inside their network, and many require prior authorization on items Original Medicare would approve without one. We check this before we order anything.

Medicaid and Medicaid managed care

New York Medicaid covers durable medical equipment with little or no cost to you when it is medically necessary and prior-approved. Managed care plans handle their own approvals and have their own preferred suppliers. Requirements change more often here than with Medicare, which is why we verify every request rather than assume.

Private and employer plans

Coverage varies widely — some plans pay for equipment the same way they pay for a doctor visit, others apply a separate equipment benefit with its own deductible. Send us your plan details and we will find out before you commit to anything.

What we need before we can bill

1. A prescription from your treating doctor. Medicare calls this a Standard Written Order. It has to name you, name the item, say why you need it, and carry your doctor's signature and the date.
2. A face-to-face visit, for some items. For a defined list of equipment — 83 items as of April 2026, including power wheelchairs, hospital beds and support surfaces — Medicare requires that your doctor examined you in person within the six months before writing the order. A telehealth visit counts in many cases.
3. Notes from your medical record. The order alone is rarely enough. Your doctor's notes have to show the condition that makes the equipment necessary. We tell you exactly what is missing rather than letting a claim get denied.
4. Prior authorization, where the plan requires it. Power wheelchairs and scooters need it under Medicare. Many Advantage and Medicaid plans require it for far more. Decisions typically take ten to twenty business days.

How long it takes

Stage	Usually takes
We verify your benefits	1–2 business days
We collect the order and notes from your doctor	Depends on the practice — this is the slow part
Prior authorization, when required	10–20 business days
Delivery once approved	5–10 business days

Supplies and replacement parts you buy outright skip all of this — no order, no notes, no authorization. They ship within five to ten business days, depending on stock.

Where we deliver

Bulky equipment — hospital beds, wheelchairs, lifts, oxygen concentrators — we deliver and set up across the five boroughs of New York City.

Smaller items — CPAP supplies, bracing, diabetic supplies, footwear — reach further across New York State and beyond, depending on your plan.

Anything bought without insurance ships anywhere in the United States.

What actually happens, step by step

From the moment you press Check my coverage to the equipment arriving. Nothing is ordered, and nothing is charged, until you have seen the number.

1. You tell us what you need Pick the kind of equipment — mobility, a bed, bath safety, respiratory, and so on. If you already know the exact item, choose it; if not, describe it and we will work it out.
2. We check we can get it to you Large equipment we deliver and set up ourselves, and only across the five boroughs of New York City. You enter your ZIP and find out immediately. Smaller items travel further.
3. You give us your insurance The policy number, or a photo of the card — whichever is easier. You do not need to know which plan you have or what it is called. We look that up.
4. Prescription, if you have one Attach it if it is to hand. If not, say so and carry on — we will ask your doctor for it. Nothing stops here.
5. Your details Name, date of birth, and a phone number or email so we can reach you. That is the whole form.
6. We verify your benefits One to two business days. We find out what your plan covers, what it will not, and what your share would be.
7. We collect the paperwork from your doctor The written order and the chart notes that support it. This is usually the slow part, and it is the part we handle so you do not have to chase anyone.
8. Prior authorization, if the plan wants it Ten to twenty business days. Required by Medicare for power wheelchairs and scooters, and by many plans for more than that.
9. We tell you the number before ordering In writing: what is covered, what you pay, whether it is a purchase or a rental. Nothing is ordered until you say yes.
10. Delivery Five to ten business days, depending on whether the item is in stock and what it is. Large equipment we bring and set up ourselves, and show you how to use it.

Start a request

Tell us what you need. We will check your coverage and tell you what it will cost before anything is ordered — there is no charge for asking, and you are not committing to anything.

Check my coverage or call (718) 735-3400

Coverage rules, deductibles and approval requirements are set by Medicare, Medicaid and individual insurers, and they change — the figures above are for 2026. Nothing here is a guarantee of coverage or medical advice. We confirm your specific benefits in writing before any order is placed. Last updated September 2026.